XRP Passive Income: What Your Yield Pays You In, and a 4-Move Plan
XRP yield pays in dollars, another token or XRP itself. How wrapped XRP works, its risks, and a 4-move plan to track your XRP coin count, not the dollar value.
Key takeaways
- The video says to find out what a position pays you in before looking at the rate: dollars, another platform's token, or XRP itself.
- XRP cannot be staked on the XRP Ledger. The video says every XRP yield route uses wrapped XRP that depends on an issuer or bridge, though the ledger's built-in AMM pools accept real XRP.
- The video recommends checking pool size and liquidity before the advertised rate, because in a small pool one large exit moves the price.
- The video's plan splits XRP into a locked stack on a hardware wallet and a working stack with a ceiling sized as if the yield were zero.
- The plan's measure of progress is one number recorded on a fixed date each month: total XRP owned.
XRP passive income comes in three forms: yield paid in dollars, yield paid in another platform’s token, or yield paid in XRP itself. A Bullrunners video argues that this payout unit matters more than the advertised rate. It lays out a 4-move plan built around one goal: growing the number of XRP coins you hold.
The idea is simple. Your XRP coin count only changes when you buy, sell or earn more. Perhaps your XRP has sat on an exchange earning nothing, or you have judged every decision by whether the week was green or red. If so, the video suggests you have been watching the wrong number. Below is what each type of yield gives you, what wrapped XRP risks, and the plan itself.
Why does your XRP coin count matter more than the price?
Your XRP coin count is the one number you control, and according to the video it only moves when you buy, sell or earn. XRP’s total supply is capped, and the video notes that the amount in circulation changes as XRP is released from escrow on a monthly schedule. Bullrunners has covered how the monthly escrow release works. None of that changes the number in your own wallet.
The video describes three familiar experiences:
- Holding XRP on a centralized exchange because it was easier, and earning nothing each month.
- Chasing a coin after a run of green candles and becoming someone else’s exit liquidity.
- Opening a guide to wrapping and bridging and closing it four sentences in.
In each case, the host says, the decision was judged on dollar value. The coin count never came into it.
What are the three ways crypto yield pays you?
According to the video, every way of earning on crypto pays you in one of three things. The video says to find out which one applies before looking at the rate.
| Payout type | How it works | What you end up with | Main thing to check |
|---|---|---|---|
| Dollars | Supply a stablecoin to a lending market, or put XRP in a pool paired with a stablecoin | More dollars; XRP count the same or changed | Impermanent loss in pools |
| Someone else’s token | Farming, points, governance or reward tokens | A platform’s own token | Whether anyone will buy it; when the reward schedule ends |
| XRP itself | XRP in a lending market or vault | More XRP | The issuer or bridge behind any wrapper |
Paid in dollars
Stablecoin lending pays you in dollars. You supply a stablecoin to a lending market, borrowers pay interest, and you receive a share in that same stablecoin. You finish the year with more dollars and the same number of XRP.
The other dollar route is a liquidity pool. You put XRP into a pool paired with a stablecoin and collect trading fees. If the two prices drift apart, the pool rebalances against your position. You can end up worth less than if you had simply held. That is called impermanent loss. The video notes that people run pools deliberately anyway. The point is to know what you are signing up for.
Paid in somebody else’s token
Reward-token yield pays you in a platform’s own currency: farming rewards, points and governance tokens. Reward tokens are paid on a schedule, and the rate can change when the schedule ends. Whatever lands in your wallet, you still have to find a buyer for it when you sell.
The video also warns that some products pay a separate reward token on top of a base rate, and that reward is folded into the headline number for marketing. When a rate looks very high, the video says to look at the pool size and liquidity next to it.
Paid in XRP
XRP-denominated yield is the third column. You put XRP into a lending market or vault, and the return accrues in XRP. There is no reward token to sell and no decision to make at the wrong moment.
Can you stake XRP?
No, XRP cannot be staked on the XRP Ledger. The ledger has validators, the servers that agree on each new ledger, but it has no staking or delegation. According to the video, every XRP yield it shows is a wrapped version of XRP put to work in a lending market, a vault or a liquidity pool.
There is a nuance the video does not cover. The XRP Ledger has had a built-in automated market maker since March 2024. Liquidity providers can deposit real, unwrapped XRP into its pools and earn trading fees. Those pools still carry impermanent loss. Native lending and vault features had also been proposed for the ledger. At the time of writing, the lending amendment (XLS-66) was still going through validator voting and was not live.
For wrapped routes, the video highlights a specific risk. A wrapped token depends on whoever issues the wrapper. If the issuer or the bridge fails, the wrapped token can trade below the XRP it represents. The video calls that risk the price of admission for earning yield in XRP this way. Bullrunners has a separate guide to the questions to ask before any XRP yield app.
Is borrowing against XRP the same as earning yield?
Borrowing against XRP is a different tool from earning yield on it. Lending XRP or depositing it into a vault pays you in the same coin. Borrowing against your XRP gets you dollars without selling. The video says borrowing carries its own risk, so it sits outside the “paid in XRP” column. For more on the lending side, see the risks to check before lending your XRP.
The 4-move plan to grow your XRP coin count
The video’s plan has four moves.
- Pick your unit. Before looking at a single rate, the video says to write down which unit you want to hold at the end of the year. For any XRP holder, the host says, that is probably XRP. The next step is to read the position’s documentation to see what it actually pays in. The rate is the big number on the front page, and the payout unit is a separate question.
- Set two splits. The first split is locked versus working. The locked stack is the amount you could watch fall another 90% without it changing your life. It sits on a hardware wallet with no bridge, wrapper or protocol near it. The working stack gets a ceiling set in advance, sized as if the yield were basically zero. If the size only makes sense because of the rate, the video says, it is too big. The second split decides what happens when a payout lands. Some goes back into the position so next month’s base is slightly bigger, and the rest goes to cold storage. The video says to write both splits down while nothing is moving. The host stresses these are examples of structure, and the percentages are each person’s to set.
- Set the date. Pick the same day every month, which the host compares to paying a power bill for yourself. How you feel about the chart that week is, in the video’s words, the least reliable input you have. The video suggests leaving a few days of lead time, because some positions have a withdrawal window. It also suggests checking whether the rate is still the rate.
- Measure in coins. Once a month, the plan records one number on paper or in a phone note: total XRP owned. If it went up, the plan is working. If it is flat, it is not, no matter how much green is on the dashboard. Some months it will barely move, especially when XRP trades sideways.
The locked and working split echoes the idea behind Bullrunners’ core vs working pile stacking plan.
What is the main XRP yield mistake?
The main mistake, according to the video, is chasing the higher rate. A big advertised yield shows what a product paid recently. The pool size and the source of the rewards sit underneath it, like the part of an iceberg below the water, and the host says most people don’t look.
Pool depth decides whether you can exit at the price on your screen. In a small liquidity pool, one large exit moves the price. The video’s advice is to look at the size of the pool before the rate.
The video’s alternative is to run the arithmetic in coins. A yield paid in XRP gives you a countable number of extra XRP. The host says nobody knows whether those coins will be worth more or less in dollars a year from now. Anyone who claims otherwise is guessing. A very high percentage paid in a token nobody is buying leaves nothing to calculate, because you do not know what you hold until you try to sell it.
What to check next
For readers who already earn yield on XRP, or are weighing it, three checks follow from the video:
- For each position, what the documentation says it pays out in: dollars, a reward token or XRP.
- For any wrapped XRP, who issues the wrapper and which bridge it relies on.
- Next to every rate, the pool size and liquidity, and whether part of the rate comes from a reward token with a schedule that can end.
It is also worth watching whether the XRP Ledger’s proposed native lending features go live, since that would change which XRP yield routes need a wrapper. The video’s last suggestion is a fixed monthly date and a one-line log of total XRP owned. Over time, that number shows whether a strategy is adding coins.
Frequently asked questions
Can XRP be staked?
Not on the XRP Ledger. The ledger has validators, but it has no staking or delegation. The video says XRP yield therefore comes from wrapped XRP in lending markets, vaults or pools, although the ledger's built-in AMM pools also accept real XRP.
What is impermanent loss?
Impermanent loss happens when the two assets in a liquidity pool drift apart in price. The pool rebalances against your position, and you can end up worth less than if you had simply held the assets.
What is the risk of wrapped XRP?
Wrapped XRP depends on whoever issues the wrapper. The video warns that if the issuer or the bridge fails, the wrapped token can trade below the XRP it represents.
Why check the pool size before the yield rate?
According to the video, a high advertised rate can sit on a small pool. In a shallow pool, one large exit moves the price, so you may not get out at the price shown on your screen.
Is borrowing against XRP the same as earning yield on it?
No. Lending XRP or depositing it into a vault pays you in the same coin, while borrowing against XRP gets you dollars without selling. The video treats borrowing as a separate tool with its own risks.
Full video transcript
From the video's captions, lightly formatted. Captions can mishear names and numbers, so check figures against the article above.
Open your wallet and count your XRP. Now, [music] think about what that number was just a year ago. If you haven't bought or sold since, it's the same number. Whatever the headlines did in between and whatever the price has done since when you bought. XRP's total supply is fixed and the amount in circulation changes as XRP is released from escrow on a monthly schedule. [music] So, your own count only changes if you buy, sell, or earn more.
So, when your XRP earns something, what does it pay you in? That one question decides most of what follows. And you might recognize one of these. You might have held through every headline with a good chunk of it on a centralized exchange because that was easier. [music] And the honest answer to what it earned you each month was nothing. Or you chased the coin, you got in a few days after the green candles, and you learned what exit liquidity means.
Or you opened a page about wrapping and bridging. You got four sentences in, you were overwhelmed, and [music] you closed it. Each of those got judged on the dollar value with a green week meaning a good call and a red week meaning a bad one. The number that decides what you own, your coin count never came into it. And every way of earning on crypto pays you in one of three things.
Before you look at the rate, find out which it is. Number one is paid in dollars. So, you supply a stable coin to a lending market. Borrowers pay interest and you receive a share in that same stable coin. You end the year with more dollars and the same number of XRP.
The other version is a liquidity pool. You put XRP into a pool paired with a stable coin [music] and you collect trading fees. If the two prices drift apart, the pool rebalances against your position and you can end up worth less than if you just simply held. That's called impermanent loss and people run pools deliberately. So, the point is just to know what you're signing up for.
Number two is paid in somebody else's token. That's farming, points, governance tokens, basically anything paid in a platform's own currency. Reward tokens are paid on a schedule and the rate can change when the schedule ends. So, either way, you have to find a buyer for what lands in your wallet when you sell it. And some products also pay a separate reward token on top a base rate, and the reward shows up in the headline number for their marketing.
So, when you see a very high rate, look at the pool size and the liquidity next to it. This is the highest rate in the table. Here's how much money sits behind it. Number three, paid in the coin itself. So, you put XRP into a lending market or a vault and the return accrues in the same coin.
There's no reward token to find a buyer for and no decision left to make at the wrong moment. XRP can't be staked on its own ledger because the XRP ledger has no validators to delegate to. Every XRP yield you'll see in this column is a wrapped version of XRP put to work in a lending market, a vault, or a liquidity pool. The rates are on screen, so read them next to the size of the pool. Every route in this column runs on a wrapped version of your coin, which means it depends on whoever issues that wrapper.
If the issuer or the bridge fails, the wrapped token can trade below the XRP that it represents. So, that [music] risk is the price for admission of this column here. And there's two tools that get confused here. Lending or depositing into a vault pays you in the same coin. Borrowing against your XRP gets you dollars without selling, which is a different tool with its own risk.
So, it sits outside of column three. So, move one, you pick your unit. Before you look at a single rate, write down which unit you want to be holding at the end of the year, which for any XRP holder is probably XRP. Then check what the position pays in by reading its documentation because the rate is the big number on the front page and the payout unit is a separate question. Move number two, set two splits.
The first is how much stays locked and how much works. The lock stack is the amount you could watch fall another 90% without it changing your life, and it sits on a hardware wallet with no bridge, no wrapper, no protocol near it. The working stack gets a ceiling that you set in advance, sized as if the yield were basically zero because if the size only makes sense because of the rate, then it's too big. So, these are just examples of structure. You know, your split is yours to set based on the percentages you want in each portion of your portfolio.
The second split is what happens when a payout lands. Some goes back into the position, so next month's base is a little bigger through compound interest, and the rest goes to cold storage. So you need to write both down while nothing is moving. Then move number three, set the date. Pick the same day every single month.
It's like paying a power bill for yourself. How you feel about the chart that week is the least reliable input that you have [music] because you can't rely on your emotions. So leave a few days of lead time there because some positions they have a withdrawal window, and make sure to check whether the rate is still the rate while you're there. Then move number four is measure in coins. Once a month, write one number in a note on your phone or preferably on a piece of paper, total XRP owned.
If it went up, the plan is working. If it's flat, the plan isn't working. However much green is on the dashboard because some months it'll barely move, especially if XRP is ranging sideways. And depth decides whether you can get out at the price on your screen because in a small liquidity pool one large exit moves the price. So look at the size of the pool before you look at the rate.
The most important thing there, the mistake is chasing the higher rate because a big advertised yield number shows what a product paid recently, and the pool size and the source of the rewards sit underneath it that most people don't look at. It's what's under the water in the iceberg. So run the arithmetic instead. The arithmetic gives you the unit whether those extra XRP are worth more or less in dollars a year from now. Nobody knows, and anybody who says otherwise is guessing with confidence there on a price prediction.
You then compare that with a very high percentage paid in a token that nobody is buying because there's nothing to calculate there because you don't know what you're holding until you try to sell it. And you can build this all yourself. You know, some of you will. This makes perfect sense for you, but a lot of people this doesn't make that much sense to that are watching this video to this point. The other option is to build it with a research team in a room already running these strategies that understand them fully.
So that's what our private intelligence network [music] is for. We run your routes against what you actually hold. We do the research on where the earnings go next. We vet the projects and then we put you in a chat with serious long-term investors who've been through multiple market cycles. So, you get one-on-one coaching, [music] weekly live calls, you can get all your questions answered, and I've left a free briefing in the first link in the description below.
If you have $50,000 or more in crypto or stable coins or a mix of the two and you want to know how to compound your portfolio without taking on excessive risk so you can maximize your upside and minimize your downside, then click that link, watch the briefing. If it makes sense, then click the button, fill out the short form. It takes less than a minute to do and then book a call [music] with an expert on my team. That calendar fills up very quick every single week because we only take a limited amount of calls because you're actually speaking with a real person. You're not talking with AI, you're not talking with a call center here.
You're talking with an expert who's been in the industry over the last decade. Now, just understand crypto carries real risk. If you try to do everything by yourself, you likely will make a mistake or lose everything. I've seen it happen to people all the time [music] that are too stubborn to hire a coach. They want to earn yield on their XRP, they want to earn passive income, they want to put their crypto to work, they want to day trade, swing trade or leverage trade, but this market is filled with scams, hacks, rug pulls, bad actors, impersonators, you name it.
I've been in the industry since 2016 and I've seen just [music] about everything, so I've assembled the brightest minds in crypto to help you guys and if that makes sense, then it makes money. I'll see you on the next video through the link below. I'll see you at the top. As always, you know what to do. Stay bullish.
Education and commentary only, not financial advice. Crypto is volatile and you can lose money. Do your own research and speak to a qualified advisor before making investment decisions. Figures and quotes are as reported in the video on November 5, 2026 and may have changed since.
